Tonia Financial & Insurance

Meet Tonia Perry – Your Trusted Advisor

Hi, I’m Tonia, owner of Tonia Financial & Insurance LLC.

I help individuals, families, and small business owners understand their health, life, and benefit options — from Medicare and Marketplace coverage to supplemental plans that protect your income and peace of mind.

As a mom of four and a former pharmacy technician with 15 years of experience, I know firsthand how stressful and confusing insurance can be. My goal is to make it easier, clearer, and more personal — so you can make confident choices without the pressure.

I’m based in Cleveland, Ohio, and licensed in Ohio, North Carolina and Pennsylvania. I meet clients virtually or in person at coffee shops and libraries—wherever you’re most comfortable.

Let’s see if I can help.

Website: ToniaInsurance.com
Text or call: 216-800-7303 (TTY 771)
Email: Tonia@toniainsurance.com

Mission & Values:

My Mission

Insurance isn’t simple — but understanding it can be.
My mission is to bring clarity, education, and guidance to every person I work with. I help individuals, families, and small business owners make sense of their health, life, and benefit options through honest conversations, patient explanations, and personal support.

Whether you’re enrolling in Medicare, exploring Marketplace coverage, or building a benefits package for your small business, my goal is to help you make informed, confident decisions — without pressure or confusion.

My Core Values

🕊️ Clarity

I take the time to explain insurance in plain language — no jargon, no rush. You deserve to understand what you’re signing up for and how it affects your life.

📚 Education

I believe knowledge is power. I focus on helping you understand why certain options fit your needs, so you can make decisions that work for your health, your budget, and your future.

🤝 Guidance

You’re never just a policy number. I’m here year-round to answer questions, offer advice, and walk you through every step — because good service doesn’t end at enrollment.

Services

Health, Life, and Benefit Options Tailored to You

“Life Insurance, Medicare, and Final Expense Help in Ohio,

North Carolina, and Pennsylvania”

Medicare Advantage and Supplement

1. Personalized Plan Comparisons

I help you compare Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans side by side, so you can understand what’s covered—and what’s not—based on your doctors, prescriptions, and budget.

2. Local Support for Ohio & Pennsylvania

As a licensed independent agent in Ohio and Pennsylvania, I guide you through plans offered in your specific county, including top options available in your zip code.

3. Annual Check-Ins & Year-Round Help

Medicare needs can change over time. I offer free annual reviews and am available year-round to help with billing issues, new plan questions, or changes in your healthcare needs.

4. Advocacy You Can Trust

I work for you, not the insurance companies. I’ll walk you through enrollment, explain your rights, and help with appeals or issues if they arise—always with your best interest in mind.

Life Insurance – Protect Your Loved Ones

1. Family Protection That Lasts

Whether you're raising kids, supporting aging parents, or planning for the unexpected, life insurance can provide peace of mind and financial protection for the people you love most.

2. Plans for Every Stage of Life

I offer affordable whole life and term life insurance options for parents, seniors, and young adults—customized to fit your goals, budget, and health needs.

3. Legacy Planning & Final Expenses

From covering funeral costs to leaving a gift for your children, I’ll help you choose a policy that makes things easier—not harder—when the time comes.

4. Honest Advice, No Pressure

I’ll explain everything in plain language and help you compare options. My goal is to find the plan that works best for you—even if it’s not one I carry.

Service Area

Ohio, Pennsylvania, and North Carolina

ACA Health Insurance (Marketplace Plans)

Other Coverage Options

1. Coverage That Fits Your Needs

I’ll help you compare plans, understand metal tiers, and pick the best fit.

2. Keep Your Doctors & Medications

We’ll check which plans cover your preferred doctors and prescriptions.

3. Help with Enrollment & Beyond

I’ll walk you through sign-up and support you year-round if anything CHANGES.

4. Lower Your Monthly Cost

Most people qualify for tax credits that reduce premiums—some pay $0/month.

• Vision & Dental Plans

Routine care isn’t always covered by major health plans. I offer options to help with cleanings, glasses, root canals, and more.

• Hospital Indemnity Insurance

Pays cash directly to you for each day you're in the hospital—can be used for bills, transportation, or anything you need during recovery.

• Accidental Injury Plans

Get paid for covered accidents like falls, burns, or broken bones. Great for families with kids or active lifestyles.

• Short-Term Care Insurance

Helps cover recovery costs after a hospital stay or surgery, especially if you're not yet eligible for long-term care insurance.

• Critical Illness Insurance

Lump-sum cash payout if you're diagnosed with cancer, stroke, or heart attack—so you can focus on healing, not bills.

★★★★★